When accidents or illnesses prevent physicians from practicing in their own occupation/specialty,
the probable results are:

Their disability insurance will not replace their pre-disability incomes

Contributions to their retirement plans will stop

The income shortfall can have an immediate and devastating
impact on their families' lifestyles and significantly diminish their retirement funds

Acquiring more disability insurance is the answer but,
most insurance companies strictly limit the amount of insurance they will allow
highly-compensated individuals to buy. This creates a huge gap between their pre-
disability compensation and their post-disability benefits.